Razorpay Secures RBI Digital Banking License, Expands Into Lending Services
Razorpay's digital banking license signals India's regulatory framework maturing to accommodate fintech-led banking.
Razorpay secured a digital banking license from the RBI, enabling the company to expand into lending and deposit services for SMBs in India.
Indian fintech unicorn Razorpay has secured a digital banking license from the Reserve Bank of India (RBI), enabling the company to expand beyond payment processing into lending and deposit services for small and medium businesses. The license marks a significant regulatory milestone for India's fintech sector.
Razorpay's digital banking license signals India's regulatory framework maturing to accommodate fintech-led banking. This could accelerate financial inclusion for millions of underbanked SMBs across India and set precedent for similar licensing in other APAC markets.
India's digital banking licensing framework becoming model for APAC fintech regulation. Razorpay's expansion validates the payments-to-banking evolution path.
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https://razorpay.com/newsroom/2026-rbi-digital-banking-license
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